Well, there's also Quidam - for a very quick learning curve. Easier and faster than Poser, I believe.  At least one pre-made child there. Not sure how realistic looking these are - but they are very quick. You can download the free trial and see how quickly a figure can be made and posed with Quidamn.

http://www.n-sided.com/3D/quidam.php?rub=1